Thank you! What was tripping me up was what happens to the Bear Bond tokens. I thought I held them, but I understand that those go back to you in exchange for the HBD. Then I can buy new Bear Bonds when the the term is up, send those to you, and have the Hive returned to me. I appreciate you taking the time to review it with me. While you hold 2 times in collateral, a big market downturn could be a loss for you, correct? Assuming, that the borrower chose not to repay.